摘要
金融脱媒对商业银行的盈利性的影响有很多方面,通过对2004-2016年商业银行数据的统计分析,采用多元回归模型,从实证的角度对银行的资产端脱媒和负债端脱媒进行分析,研究表明资产脱媒对银行的盈利性产生了负面影响,而负债脱媒则是对其盈利性产生正相关关系,由此结论给商业银行提出了更好的启示和建议,商业银行在发展过程中,应当适当控制自身的资产规模,提高资本充足率,注重资产质量,降低不良贷款的发生,提高营运效率。同时应优化银行业务结构,减少冗员机构;促进银行的创新能力,转变传统的以存贷利差作为主要利润来源的经营模式,适应当前发展创造新的盈利模式。
Financial disintermediation exerts influence on the profitability of commercial banks in many aspects.Based on the statistical data of commercial banks from 2004 to 2016,using a multiple regression model,the asset disintermediation and liability disintermediation of the banks are analyzed from the empirical perspective.The result shows that asset disintermediation has a negative impact on the profitability of the banks,and the liability disintermediation is positively related to the profitability.Hence,some enlightenment and suggestions are put forward.In the development process,commercial banks should control their own assets,improve capital adequacy ratio,pay attention to the quality of assets,reduce the occurrence of bad loans,and improve operational efficiency.At the same time,the banks should optimize the business structure,reduce redundant sectors,promote the innovation ability,so as to change the traditional management mode taking interest spread of deposits and loans as the main source of profit and to create a new profit model adapting to current development situation.
出处
《商业经济》
2018年第2期148-149,共2页
Business & Economy
关键词
金融脱媒
商业银行盈利性
多元回归模型
financial disintermediation
profitability of commercial banks
multiple regression model